LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,296
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,927
−HK$642/mo
Today · 4.125%
HK$21,569
baseline
▲ 0.50% · 4.625%
HK$22,881
+HK$1,312/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,138/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,579
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,185
−HK$614/mo
Today · 4.125%
HK$23,799
baseline
▲ 0.50% · 4.625%
HK$25,053
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,598/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,355
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,113
−HK$769/mo
Today · 4.125%
HK$25,882
baseline
▲ 0.50% · 4.625%
HK$27,457
+HK$1,575/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,764/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,095
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,822
−HK$737/mo
Today · 4.125%
HK$28,559
baseline
▲ 0.50% · 4.625%
HK$30,064
+HK$1,505/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,118/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,414
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,298
−HK$898/mo
Today · 4.125%
HK$30,196
baseline
▲ 0.50% · 4.625%
HK$32,034
+HK$1,838/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,392/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,611
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,458
−HK$861/mo
Today · 4.125%
HK$33,319
baseline
▲ 0.50% · 4.625%
HK$35,075
+HK$1,756/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,638/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,533
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,669
−HK$1,155/mo
Today · 4.125%
HK$38,824
baseline
▲ 0.50% · 4.625%
HK$41,186
+HK$2,362/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,648/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,642
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,732
−HK$1,106/mo
Today · 4.125%
HK$42,838
baseline
▲ 0.50% · 4.625%
HK$45,096
+HK$2,258/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,676/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,023 · Scale 2, in force from 26 Feb 2026)